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No refusal payday loans offer a way to access fast cash quickly in Canada. As the name suggests, they are essentially payday loans with guaranteed approval. This can help borrowers to deal with urgent financial situations without having to worry about their request for money being denied.

Typically those with poor credit scores are often unable to borrow money from a bank. So loans with no refusal are essentially no credit check loans that means borrowers can be granted a loan regardless of their credit rating. In this case, other criteria is prioritized such as having a permanent address, earning some form of a regular income and having a live checking account with a Canadian bank for the loan to be paid into.

This guide will delve deeper into the details of no refusal payday loans, explaining how to apply for them and where in Canada you can borrow them.


What Are No Refusal Payday Loans Canada?


No refusal payday loans in Canada are guaranteed payday loans that can be borrowed in the short term to pay for emergency expenses. Providing that all the relevant documents are provided for processing a loan, then there is no chance of the borrowers application being refused. So once the application is complete, money should be transferred directly to the borrowers bank account within 1 day.

Typically no refusal payday loans do not require a credit check to issue the loan so the lender cannot reject a loan application due to a bad credit score. Online no credit check instant approval loans are also available in Canada. According to, there is a cooling off period of 24 to 48 hours in which you can cancel your payday loan.




How Can I Apply For A No Refusal Payday Loan Canada?


Applying for a no refusal payday loan in Canada is very easy and straightforward. You enter your basic details such as your contact number, email address and postal address and state how much you wish to borrow and how long for. There are however documents that needed to be submitted which include:

  • Recent photo identification
  • Proof of your social insurance number
  • Proof of a permanent address (which you have lived in for at least the past 6 months)
  • Your bank statements from the past 90 days
  • Your 2 latest pay stubs
  • A voided cheque


Why Might I Need An Instant Loan With No Refusal In Canada?


You may need an instant loan with no refusal in Canada if you faced an unexpected costly emergency such as having to pay for medical bills, pet fees, funeral costs or unanticipated car repairs. Other reasons include for instance if you needed to pay a plumber to get your boiler fixed or need money now to pay for food.

Traditional financial institutions such as banks may reject your application for a loan if you have a bad credit score and refuse to lend you money. In this case an instant loan with no refusal in Canada can certainly help to provide you with temporary financial relief to help you pay for your important expense.

It is then intended that you will repay back the loan once you receive your next paycheck on your upcoming payday. It is however possible to repay back a Canada payday loan over 2 weeks to 2 months. Payments are typically made in equal monthly installments and there is always the option to repay back your loan early if you wish to do so.


Where Can I Get No Refusal Payday Loans In Canada?


Payday loans are legal across all 10 provinces in Canada and in all the major towns and cities. You can get a payday loan in any of the provinces including Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Quebec and Saskatchewan.



What Is The Maximum Amount That Can Be Borrowed For No Refusal Payday Loans in Canada?


The maximum loan amount that can be borrowed in Canadian provinces is summarized in the table below:

Province Maximum Loan Amount
Alberta $1,500
British Columbia $1,500 or up to 50% of your paycheque
Manitoba $1,500 or up to 30% of your net pay
Newfoundland and Labrador $1,500 or up to 50% of your net income
New Brunswick $1,500 or up to 30% of your net pay
Nova Scotia $1,500
Ontario $1,500 or up to 50% of your net income
Prince Edward Island $1,500
Saskatchewan $1,500 or up to 50% of your take-home pay


How Can I Improve My Credit Score?


If you are still looking to build a good credit score so that you can have more options when looking to borrow money, there are some key ways to achieve this. Firstly, you want to prioritize paying off any existing debts that you may owe. You should then focus on always paying off all your bills on time.

Avoiding hard inquiries on new credit and using free credit monitoring services to keep an eye on your credit score will certainly stand you in good stead. This can all help to improve your financial health to show that you are responsible and make it easier to qualify for news lines of credit in the future with more favorable terms.

Alternatively if you are looking to build a credit score because you do not have a past financial history, then it is worth considering getting a credit card with minimal interest rates – just check the terms and conditions of this before agreeing to do so. Paying off some monthly expenses through this could be a good way to increase your credit score, providing that you pay it back on time.

Justine Gray

Justine Gray is a contributor to Pheabs, sharing more than 10 years of experience in the consumer finance industry across the US. Follow her guides for financial advice, money saving tips and more. Follow them on Linkedin and Youtube.